Emergency Loans

An emergency is defined as a sudden serious situation that needs immediate action. When you find yourself in such a situation, an Emergency Loan is exactly what you need.
An emergency can be anything, such as:

• Unexpected car repairs
• A sick pet
• Burst plumbing at home
• Medical expenses

Whatever you need the emergency cash for, an easy and fast emergency cash loan from Swoosh can help.

Let Swoosh help you tackle any emergency

What are Emergency Loans?

Emergency Loans are for anything that you did not see coming. If you are after a quick loan of up to $5,000, we can help. Our 100% online application process is fast, easy, and hassle-free so you can concentrate on dealing with the emergency. Apply for a loan with Swoosh online and we’ll get your emergency cash into your bank account fast.

How much can I borrow with an Emergency Loan?

You can borrow between $2,000 and $5,000 with an Emergency Cash Loan from Swoosh to cover any unexpected expenses.

How quickly can I get an Emergency Cash Loan?

Our 100% online application only takes minutes to fill out. Once received, we can get you the money you need on the same day. There’s no long, drawn-out approval process. Because, when you find yourself in an emergency situation, you want to get yourself out of it fast.

What can I use my Emergency Loan for?

You can use your Emergency Loan for anything you need to. Perhaps your car has broken down or your dog has fallen sick? Maybe you need to make urgent repairs to your property or one of the kids needs emergency dental. Whatever your situation is, we can help. You don’t need to tell us what the emergency is. Just tell us how much you need and we’ll make sure the funds are with you on the same day. At least that’s one load off your mind.

Am I eligible to get an Emergency Loan?

To be eligible for a Swoosh Emergency Loan, you only need to meet the following simple criteria:

Can I get an Emergency Loan for bad credit?

Yes, it is possible. Your credit history is exactly that – history. We believe in responsible lending and consider every Emergency Loan application on its individual merit.

Fees and interest rates:

Our Emergency Loans can be paid back over 12 months. There are no hidden fees and charges, and no penalties for paying back your loan quicker, so you can pay it back as soon as you are ready.

• $0 application fee (even if your application is not approved)
• $400 establishment fee (included in the amount borrowed)
• $16 PPSR and security check (included in the amount borrowed)

Keep in mind that you may incur additional fees each time you miss a payment, and this may affect the length of your loan.
Interest is calculated daily based on the outstanding balance and is applied monthly to your account. Interest rates are fixed for the loan term — so you know exactly what to expect. If a scheduled payment is returned unpaid, we may issue a $35.00 debit dishonour fee. This fee is not subject to interest, though you’ll continue to pay usual interest charges as described. Find out more: Payday Loans Rates and Fees

Can I apply for an Emergency Loan with Swoosh if I have an existing loan with another company?

Yes, if you have other loans you can still apply for an Emergency Loan with Swoosh. As responsible lenders, Swoosh will only approve your application if we believe you can afford to repay your loan. Find out more: How To Get A Cash Loan

We make it easier to make repayments

To make life stress-free and easy, we align your repayments with your payday so you don’t miss a repayment. We also only approve your loan application if we believe you can repay it.

How do I apply?

Apply for emergency money with Swoosh in 3 easy steps.